| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 7746 CITRUS HEIGHTS, CA 95621 | KAISER FOUNDATION HEALTH PLAN INC | $67K | — | $67K | 5.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY 4TH FLOOR ALISO VIEJO, CA 92656 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 12.09% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA BEDROSIAN INS SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | AMERITAS LIFE INSURANCE CORP. | $46K | — | $46K | 16.55% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | 3155 OLSEN DR, STE 400 SAN JOSE, CA 95117 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 3.45% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY 4TH FLOOR ALISO VIEJO, CA 92656 | GUARDIAN | $41K | $4K | $45K | 21.04% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 127 | $1.8M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 375 | $494K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 375 | $494K |
| Life insurance | GUARDIAN | 375 | $214K |
| Short-term disability | GUARDIAN | 375 | $214K |
| Long-term disability | GUARDIAN | 375 | $214K |
| Other | GUARDIAN | 375 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.